- Credit Appraisal:
Underwrite LAP proposals for self-employed and informal borrowers as per defined credit policy and risk framework.
- Policy & Compliance:
Ensure adherence to internal credit policies, RBI norms, and regulatory guidelines during loan evaluation.
- Income & Risk Assessment:
Analyze customer financials, income surrogates, banking patterns, property papers, and repayment capacity.
- Portfolio Monitoring:
Track bounce rates, delinquency trends, and early warning signals (EWS) to maintain portfolio health.
- Process Efficiency:
Collaborate with Operations and Sales to improve TAT and underwriting quality.
- Business Coordination:
Work closely with Business Head, Sales, and Product teams to align growth with risk controls.
- Fraud & Risk Mitigation:
Ensure field verifications, de-dupe checks, and property/legal due diligence.
- MIS & Analytics:




Support credit governance with relevant MIS, dashboards, and portfolio insights.
- Training & Policy Communication:
Conduct training and refresher sessions for Sales and DSA teams on credit policies and documentation standards.

1. Experience: 58 years in Credit Underwriting for Secured Loans (LAP/SME/Housing Finance preferred).

2. Qualification: Graduate / MBA / CA preferred.

3. Domain Expertise: Income surrogate programs, property valuation norms, legal risk assessment, credit risk frameworks, and LOS/digital underwriting systems.

4. Behavioral Skills: Robust analytical decision-making, risk governance mindset, stakeholder management, and ability to deliver under high volume with tight TATs

📌 Regional Credit Manager (Mumbai)
🏢 home credit
📍 Mumbai